Can anyone give me advice on the best independent group for helping to look at my mortgage account,

im in arrears atm and trying to pay extra each week along with my monthly mortgage, but the amounts are not adding up right,

my head is “frying”over this.

thanks

]]>415374Mon, 25 Feb 2019 17:33:03 +0000Ulsterbank Unauthorised Overdraft, Insane Chargeshttps://www.consumeractiongroup.co.uk/topic/401267-ulsterbank-unauthorised-overdraft-insane-charges/Hi, I ended up with an overdraft as a company I was working for managed to trick me into giving them my card details, allowing them to take £3500 out of my account when there was no money in the account, ending up in an unauthorised overdraft...

This was 3 months ago. I was lead to believe that id be paying back £225 pound a month (roughly), on the 29th of each month. Now that I checked, they are charging me interest and some other card charges, totalling in 3 extra charges on the 3rd of every month, adding to £75 on top of the overdraft, I only have a debit card?

One charge is £20 because I don't have money in the account. Is this right? what can I do? can I claim it back? Court? I'm raging!

Please help, I would hate to find out there was nothing I could do, I have the dreaded feeling that there is nothing I can do... I need my credit rating up as I am trying to start a business, this all happen at the worst time... word of advice for anyone its relevant to, "Don't Work For Amazon", they are slave drivers fringing on the law...

How do I go about reclaiming packaged bank account charges? is there a letter template I can use? The bank in question is Ulster Bank. My account is a U-First account and the monthly payment was £9,99. How do I go about reclaiming please? I would appreciate your help.

Spoke to ryan in ulster bank asking how I can obtain statements from 2003/2004.....he informed me that Ulster bank can only go back 7 years,, and that I would need to get a court order with a judges signature to request more than 7 years...

Hopefully the original debtor will stop chasing me for this alleged debt & decide to write it off

]]>348909Fri, 01 Nov 2013 13:32:25 +0000Bank Chargeshttps://www.consumeractiongroup.co.uk/topic/347340-bank-charges/Hi i am new to the forum hope i am posting this in the right place.

I am thinking of claiming back charges from Ulster bank for past 6yrs if possible,

has anyone here done this if so how did you get on any advice will be very helpful

and appreciated,

Thank you

]]>347340Wed, 16 Oct 2013 09:12:48 +0000Gadget helpline - debited acounthttps://www.consumeractiongroup.co.uk/topic/337682-gadget-helpline-debited-acount/I recently took out a new contract with Dialaphone. Checked my bank account and was amazed to see that £20.94 had been debited for 'Gadget Helpline'!! ???

So I decided to contact this 'Gadget Helpline' which I apparently had "signed up" for! Received the WORST EVER customer service from a so-called Helpline Administrator going by the name of "Nadia", (second name not given)!

My story is as follows:

Email from me to "Nadia"

On 8/6/2013 a direct debit was taken by TMTI from my current account. I have no knowledge of ever wanting or hearing about this service and demand a full refund of £20.94 be given to me.

I have not had any correspondence from TMTI or given any permission of a Direct Debit to be set-up on my bank account! Please rectify this matter and advise of same.

Regards,

Response:

Thank you for contacting Gadget Helpline.

Unfortunately you did not provide any details for us to bring up any account.

If you could please provide us your address and postcode or direct debit reference number we can confirm if you have an account with us.

I hope this information will help you to solve this matter as I have not received any communication from yourselves and was not aware or authorised this payment of £20.94 to be debited from my account.

Regards,

Nadia's Reply

A welcome letter was sent by email to ***********@**** on 8th May 2013 regarding your account with us.

Unfortunately we have no record of any request to cancel your account. In order to fully refund your payment made to TMTI Ltd we would need confirmation that the account was previously cancelled (cancellation email, call reference number etc.). If you can provide us with this confirmation we would be happy to fully reimburse you.

I apologise for the inconvenience.

Many Thanks

My Response:

Hi Nadia,

I can definitely confirm that I did not receive a 'Welcome Letter' in question on 8th May 2013 and also that the email address you say it was sent to is an incorrect address! Hence, I was unaware of having to pay any payment(s) for an alleged account with 'Gadget Helpline' nor did I enter into any agreement as such!

I would appreciate if you could rectify this error and refund immediately the amount of £20.94 which was debited from my account (Direct Debit Ref: DL********).on 8th June 2013.

I look forward to hearing from you in response and receiving this payment.

Regards,

Nadia:

Our service is explained in the following places.

· The shopping basket (before you agree to the order)

· The terms and conditions of the order

· The order confirmation that Dialaphone send out to you

· The paperwork that is received when the handset is received by Dialaphone

· The welcome email we sent you directly from our company. (email addresses are not case sensitive)

Regards

HOW IGNORANT!!!

So, I replied:

Nadia,

I am writing to advise of my intention to reclaim monies totalling £20.94.

According to my Bank Records, the aforementioned sum that was taken out of my account on 8th June 2013, on the pre-text of 'Gadget Helpline' service.

This payment is unlawful as they were not agreed to by myself. The disclosure of my bank details to a third party company without my authorisation is unlawful practice, to which I take great exception to. Furthermore, I did not agree nor accept any terms which would have initiated this direct debit process.

Having researched this situation in greater detail, it would appear that this is not mentioned during purchasing or on any itemised bills or contracts as it is a 'free trial' which automatically rolls into an unlawful direct debit being setup.

As the mobile phone contract was obtained through Dialaphone, the onus of responsibility in law was unlawfully distribution of my account details to the third party 'Gadget Helpline' company.

It is my wish that this situation can be resolved amicably, however, as prelude to this not being resolved suitably I have prepared documentation to pass this claim to the Financial Ombudsman Service.

I would be grateful for the name and contact details of your superior as I would like to make a personal complaint about your customer services and also your full name.

Yours sincerely,

Her Response to that was:

The postal address can be found below if you wish to make a further complaint.

Regards

Began to loose my patience here, so responded:

I don't think you are hearing me here, I am DEMANDING you give me your full name and superiors name!

To which I got:

"My name can be found below, and my extension is 424. Our managers name is Jon."

NB: Just read on Dialaphone website that they no longer provide new customers with the 'Gadget Helpline' service as of May 2013.

My contract began on 10th May 2013!!

]]>337682Thu, 13 Jun 2013 13:33:45 +0000credit Card PPI?https://www.consumeractiongroup.co.uk/topic/337298-credit-card-ppi/Hey, I have had a credit card with ulster bank for about 4yrs, have got txts for a few weeks saying about claiming back my ppi, think it is prob a [problem]!? but does anyone know if I would be entitled to PPI?
]]>337298Sat, 08 Jun 2013 13:45:37 +0000online card usehttps://www.consumeractiongroup.co.uk/topic/315896-online-card-use/Not really sure if this is something I can be helped with but here goes ...

Last year I noticed a debit from my bank acct . ' Sony '

Was bit confused so looked further back & to my horror the debits were between £5/£15 for over a year totally over £1500 ( stopped counting as I felt sick at that stage )

Cut a long story short I had allowed my son to use my debit card to buy something for his play station game online , I assumed my details had been deleted after the 1st £5 transaction but obviously they hadn't . He continued to buy game additions & the rest is history

As soon as I noticed I cancelled my card & it was replaced .. Is there any way to get any of this money back ?

]]>315896Tue, 25 Sep 2012 11:11:48 +0000Compensation announced for victims of computer meltdownhttps://www.consumeractiongroup.co.uk/topic/313523-compensation-announced-for-victims-of-computer-meltdown/http://www.bbc.co.uk/news/uk-northern-ireland-19432497
]]>313523Fri, 31 Aug 2012 11:07:45 +0000Have you been affected by RBS computer issues with Ulster Bank ?please post here.https://www.consumeractiongroup.co.uk/topic/307690-have-you-been-affected-by-rbs-computer-issues-with-ulster-bank-please-post-here/News as at 5th.July suggests it could be next week before all issues are resolved.There are many reports of failed direct debits and some being duplicated.
]]>307690Thu, 05 Jul 2012 06:14:09 +0000Ulster Bank sees exodus to switch following customers losing patience.https://www.consumeractiongroup.co.uk/topic/307691-ulster-bank-sees-exodus-to-switch-following-customers-losing-patience/http://www.irishexaminer.com/ireland/kfsnsnojidkf/rss2/
]]>307691Thu, 05 Jul 2012 06:20:31 +0000Statement update as of 5th.July on Technical issues following RBS systems failure.https://www.consumeractiongroup.co.uk/topic/307689-statement-update-as-of-5thjuly-on-technical-issues-following-rbs-systems-failure/Customer Update

Many customers should continue to see an improved position on their accounts today, with account transactions continuing to update. We now expect that next week (commencing 9 July) will be the final week of any significant delays for Ulster Bank customers. We expect gradual, but significant and noticeable improvements throughout the remainder of this week and next. It is our expectation that by the week of the 16 July the vast majority of customers will return to a normal service. There may be some final reconciliations required to customers' accounts.We will provide updates daily on our progress.

We know this disruption to our customers is unacceptable and we're committed to doing all we can to help as many of our customers as possible.

42 of our branches will have extended opening hours from 9.30am to 7pm until Friday 6 July.

. To help us facilitate your requests, please bring photographic identification and your account details (account number and sort code) . Please bring your payslip if the balance does not reflect any salary payments.

We have also doubled the number of staff available in our call centres. Our dedicated help desk is open 8am to 10pm to take your call on 0800 231232. If you are calling from abroad please call +4428 90843556.

We confirm that no customer will be permanently out of pocket and there should be no adverse impact on customers' credit ratings as a result of this incident.

If your balance does not reflect up to date payments due into your account, please come to any Ulster Bank branch with your photographic ID and your account details. Please bring your payslip if the balance does not reflect any salary payments.

Ulster Bank credit card holders may also use their card for cash withdrawals from an ATM; no cash advance fee or interest will be charged for using this service provided the amount withdrawn is repaid within one month of the withdrawal.

What is the situation with lodgements made to my account?

Electronic payments are being received into accounts but they are delayed. If your salary, pension or welfare payment was due to be paid into your account before Thursday 21st June, this is now in your account balance. If you were due to receive your salary via an electronic payment between Thursday 21st and Friday 29th June this may not yet be in your account.

Lodgements of cash or cheques made over our branch counters from Wednesday 20th June are receipted but have yet to be credited to customers' accounts and will be credited as we clear the backlog.

What about my direct debit, will it be paid?

Direct Debits that were received between 21st of June and 3rd of July will be paid; however, you may not see these reflected in your account until our systems have been fully restored. Direct Debits up to 20 June have been processed as normal. You may wish to let the beneficiary know that there is a delay.

We understand that customers are concerned they might get disconnected from a utility or service provider if their account is not paid. We would like to reassure our customers and those of other banks, that we are working with other banks, service providers, insurance and utility companies to make sure that, as a result of this issue, customers will not be without their services, will not be permanently out of pocket and will not have their credit record affected.

Is Anytime internet and mobile banking operational?

Yes, our internet banking and mobile services are available to allow you to view your accounts, make transfers and pay bills. Please note that you will only be able to make transfers and pay bills on Anytime internet or mobile banking up to the stated balance which may not be up to date. As we update our systems there may be times when the service is temporarily unavailable; if this happens please try again later.

Please remember we will never contact you to ask you for your PIN or password.

We have suspended our text balance service while we resolve this issue.

I have just realized that in the past year alone Ulster Bank have charged me in excees of £200 in charges alone for unpaid direct debits, some being my mortgage and some others. Yes I did know there was insufficiant funds at the time of the DD's but I am struggling because as a taxi driver, my car packed up a long time ago ad ihave been unable to get back on the road so the wage coming in is my wifes part time wage. Can I claim back the charges and can I ask them to go back as long as I had the account and where do I get a template letter if so...Thabks hope u can help:|

]]>289856Wed, 25 Jan 2012 14:21:28 +0000Creditor sent default and told me I was on an agreement to pay for 3 months on the same dayhttps://www.consumeractiongroup.co.uk/topic/231972-creditor-sent-default-and-told-me-i-was-on-an-agreement-to-pay-for-3-months-on-the-same-day/Strange. I received a letter from Ulster last weds dated 22nd which I didnt take much notice of thinking it was a default sums. Today I read it and basically it was a response to a letter I wrote asking them to accept reduced payments. In simple terms they accepted my proposal and informed me that it would be entered as an arrangement to pay on my credit report. Then this monday I receive a default notice also dated 22nd.

Am I being dense here or does this not make sense?, the notice seems defective giving me 17 days and not first class. But surely they have contradicted themselves here.

I know its normal to be defaulted on an repayment plan but can you be defaulted and on an arrangement to pay at the same time?. I though that showed on the same bit.

"We understand that customers are facing challenges at this difficult time and today's announcement will help those customers who find themselves in a situation where they may attract these fees."

An unpaid item fee arises when there are insufficient funds in the customer's account and an item such as a cheque or a direct debit is not paid.

A paid referral fee is charged when a cheque, standing order, or direct debit is paid despite there being insufficient funds in the account.

The move has been welcomed by the Chief Executive of the Consumer Council, Antoinette McKeown.

"The Consumer Council welcomes the announcement by Ulster Bank today that it is to reduce its charges for slipping into the red from October 1," she said.

"It is a step in the right direction, particularly as many people are struggling to make ends meet."

Lets hope they realise that their excessive charges must now be paid back

]]>193056Mon, 07 Sep 2009 23:36:42 +0000ulster bank north irelandhttps://www.consumeractiongroup.co.uk/topic/123240-ulster-bank-north-ireland/All banks are still obliged to give you this information under the Data Protection Act, so you can still write to ask for details of your charges if you do not have the information.